Light Microfinance
Sapthagiri Consultants Interview Questions and Answers
Q1. How to Yourself represent the customer
Representing the customer requires empathy, active listening, and a willingness to understand their needs and concerns.
Put yourself in the customer's shoes
Listen actively to their concerns and needs
Ask questions to clarify their situation
Be empathetic and understanding
Provide solutions that meet their needs
Q2. How to verify house
To verify a house, one can use various methods such as conducting a physical inspection, checking property records, and verifying ownership documents.
Conduct a physical inspection of the house to ensure its condition and authenticity.
Check property records at the local government office or online to verify ownership details and any existing liens or encumbrances.
Verify ownership documents such as title deeds, sale agreements, and property tax receipts.
Cross-reference the prop...read more
Q3. What are the RBI guidelines for NBFC and MFIs
RBI guidelines for NBFC and MFIs
NBFCs need to maintain a minimum capital adequacy ratio of 15%
MFIs are required to maintain a minimum net owned fund of Rs. 15 lakhs
RBI has set up a separate department for supervision of NBFCs
NBFCs are required to submit periodic reports to RBI
RBI has issued guidelines for fair practices code for NBFCs and MFIs
Q4. What do you know about the Micro Finance
Microfinance is a financial service that provides small loans and other financial services to low-income individuals or groups.
Microfinance helps to alleviate poverty by providing access to financial services to those who are traditionally excluded from the formal banking sector.
It typically involves small loans, savings accounts, and insurance products.
Microfinance institutions (MFIs) are the primary providers of microfinance services, and they operate in both developed and ...read more
Q5. Why Management structure is strong
A strong management structure ensures clear communication, efficient decision-making, and effective delegation of tasks.
Clear communication channels help in conveying goals and expectations effectively.
Efficient decision-making processes ensure timely actions and adaptability to changes.
Effective delegation of tasks ensures that responsibilities are distributed evenly and tasks are completed efficiently.
Strong management structure fosters accountability and transparency withi...read more
Q6. Different Location
The question is asking about your willingness to work in different locations.
I am open to working in different locations as it provides opportunities for growth and new experiences.
I believe adapting to different environments can enhance my skills and knowledge.
I have previous experience working in various locations and have successfully managed teams in different regions.
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